An interactive way to get financial education and tailored advice* online to help supercharge your future.
Exclusive to Hostplus members 24/7 via Member Online at no extra cost.
*Members with Term Allocated Pension, Lifetime Pension, Defined Benefit Pension, nil balances, non-standard investment options and some Maritime Contributory Accumulation members cannot access SuperSmart financial advice services.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
If you want your employees' Super Guarantee payments to be processed before the end of the financial year, Hostplus must have received and receipted the contribution by 30 June. For the best chance of meeting this deadline, we recommend submitting payments earlier than usual, in case there are any issues processing your payment.
Processing times will vary across clearing house services, so check with your provider for cutoff dates. You can find out more about how to make super payments on our website.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
There are some important changes to super that come into effect from 1 July 2025. Here’s a summary.
The Superannuation Guarantee (SG) is the minimum amount an employer must pay to an eligible employee’s superannuation account, based on a percentage of their salary.
From 1 July 2025, the SG will increase from 11.5% to 12%. This is the last legislated increase to the SG rate.
If you’re an employer or high-income earner: the maximum super contribution base (MSCB) is decreasing.
The MSCB is the maximum income for which an employer must make SG contributions each quarter. The government sets this limit each year.
For the 2025–26 financial year, the MSCB limit will be $62,500 per quarter, a decrease from $65,070 per quarter in 2024–25. This means from 1 July 2025, employers won’t have to make SG contributions on an employee’s earnings above this limit.
If you’re an employer and need more information on how to best manage your super obligations, please visit our employer page. If you’re a member and need more information about managing your contributions, our superannuation advisers can help.
Expecting a new baby? If you’re an eligible parent with a baby born or adopted after 1 July 2025 and receiving government-funded paid parental leave, you’ll receive an additional contribution based on the SG (12% of your parental leave pay) to your super fund.
The ATO will pay this super contribution as a lump sum, including interest, after the financial year in which the parental leave pay was received. The ATO will start making payments from 1 July 2026.
The government co-contribution scheme is designed to help low-to-middle income earners save for their retirement. If you make a voluntary (after-tax) contribution to your super account, you may qualify for a government payment that boosts your super.
The maximum super co-contribution you could receive depends on your income. If your income is $47,488 or less for the 2025-26 financial year, you could receive up to $500 into your super. For every dollar above this threshold, your entitlement decreases, before stopping completely for anyone who earns $62,488 or more.
Not sure if you’re eligible? Contact us or try the ATO’s super co-contribution calculator.
The transfer balance cap is a lifetime limit on the amount of super you can transfer into retirement income streams, like our Hostplus Pension account. From 1 July 2025, the transfer balance cap will increase from $1.9 million to $2 million. Personal transfer balance caps may vary from this amount. Check yours in your myGov account.
The total superannuation balance threshold impacts eligibility for making after-tax (or non-concessional) contributions and spouse contributions, as well as receiving government co-contributions. The threshold will increase on 1 July 2025, in line with the transfer balance cap, from $1.9 million to $2 million.
Annual contribution limits, known as caps, apply to the super contributions made to your super fund(s) each financial year.
If you contribute more than the cap, you may have to pay extra tax.
Important: if you have more than one super account, contributions made to ALL your accounts during a financial year are added together and counted towards your caps.
The amount of concessional (before-tax) contributions you can make to your super each year will remain at $30,000.
Concessional (before-tax) contributions are those paid to your super fund from your pre-tax salary (like salary sacrifice or contributions on which you've claimed a tax deduction) and include Superannuation Guarantee (SG) contributions made by your employer(s).
If you'd like to take advantage of the ‘carry-forward’ rule, 30 June 2025 is your last chance to carry forward any unused portion of the 2019–20 financial year concessional contributions cap (which was $25,000).
The amount of non-concessional (after-tax) contributions you can make to your super each year will remain at $120,000.
Non-concessional (after-tax) contributions are those paid to your super fund from your after-tax salary or other money.
There's also no change to the ‘bring-forward’ rule, which will remain at $360,000 depending on your super balance.
Visit our voluntary contributions page for more information about contribution types, limits and the bring-forward rule. You can also read our 2-minute article about how making voluntary contributions could help you save on tax.
We offer personalised super advice about your Hostplus account for all Hostplus members at no extra cost. If you already have an adviser, they can also provide advice on your account.
Contact us on 1300 303 188, email us or book a callback today.
